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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HFO Services Again. Please Help !!


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[ATTACH=CONFIG]27469[/ATTACH]Hello to everyone at the Consumer Action Group.

 

I must say after receiving a letter from HFO i was at my wit's end , untill that is i thought something wasn't right with the letter and contents . I Googled them and came across this wonderful forum that took some of the worry of me and my wifes shoulders ( But not entirely) after seeing we were not alone in this.

 

A few days ago i received the aforementioned letter entitled REMINDER - NOTICE OF ASSIGNMENT.

Now it said i owed £5621.02 For a Barclay card account which i did have but I'm sure it was not for anything like that sum of money . £1500 i think? Is it the 12% interest rate they've added?

Even so i can not lie , i did have an account and i fell in to debt with it . It was such a lot time a go ( about 6/7 years ago) and as time when by i completely forgot about it.

After reading a lot of posts from other posts am i right in thinking that the account is now statute barred ?

 

My wife is worried that they'll come around to our home and empty the place or remove savings from her account.

The dept was before i meet my wife so is the debt mine and mine alone? we don't have a joint bank account and the house is in her name.

 

I have applied for a credit check with Experian and should get info back soon.

They don't have any phone numbers and as you've all mentioned i will NOT be calling them.

 

As the letter states ( which i have scanned and attached) , i have 14 days to get to touch.

What is my next move? Should i request a SAR from Barclay card and send a Prove it letter to them ?

Please can you help to put my wife and myself mind at ease?

 

Thank you for reading and thank you to this wonderful forum.

 

[ATTACH=CONFIG]27469[/ATTACH]

img070.pdf

Edited by Robguy
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cant read postage stamps

 

use:

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

you seem to know what you are doing

 

so's your next step is............ring barclays and ask the usual questions from all the other HFO threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would first phone barclaycard and find out when the last payment was, tel 0844 556 0066.also ask when and to who the account was sold.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Thanks for info :) Will rescan letter.

Have called barclays but can't remember any of the secerity queations . so have to go into a branch.

Wish me luck :)

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Well address at time . I've moved seven times since and can't remember the right address

 

If you know the house/flat No and the Street/Road, it is easy to find the postcode

Edited by broken arrow

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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To answer your other questions, they cannot take or attach anything to yours wifes' property/belongings/bank account - ever - so you can rest easy on that one.

 

Follow all of the advice given above, if the visit in branch does not bring the information required, is there a way you can check for yourself when the last payment on this account was made, and to whom. So long as it is 6 years or more (5 in Scotland) then you can safely assume the account is indeed SB. Your credit report should also show a default date. Have you noticed this on any previous Credit Reports? just because it is not appearing on a new up to date one does not confirm anything one way or another.

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Gave myself long lunch break and went down to see Barclay's. Spoke to branch manager . He couldn't find any sign of my account on Barclay's system and because it was an old account they don't keep records. Plus the number given by HFO was card Number and not account number.

Should i wait to see if they sent another letter before i send prove it letter?

 

Any thoughts ???

 

No payments made for over 6 years i think and as for other credit reports , i had one done last year to open a first direct account and all was fine

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Just do some research and try and determine where you were living at the time. You must get the info from Barclaycard to establish if it’s SB. The date of account opening should be recorded on your credit file (if it’s there).

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As i was moving around alot (because of work ) , I have no idea were i was when i made last payment. So i should send Barclays a SAR which could take 40 days and in the mean time send HFO a prove it letter and see what they come up with ?

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I know the address where it was first registered that should help. The rest are just long shots but given time i might be able to come up with last know billing address using street view.

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I'm going through the same palava with this bunch of idiots (HFO) except my debt isn't quite statute barred, and i do want to pay it off, however i sent the CCA request last week which they have 12+2 days to respond to, they didn't respond to my prove it letter!! DO NOT speak to them on the phone either, DO NOT put your signature of any correspondance between you and them, just print your name, if they do try and contact you request EVERYTHING in writing and put the phone down, when you do send any letters make sure it's recorded, the CCA request needs a £1 Postal Order putting in with it, this comes after the Prove it Letter again they have 12 + 2 days to respond to the Prove it Letter, i haven't got around to ringing barclay card yet, so let me know how you get on.Also correct me if i'm wrong someone but if it's statute barred they don't have a leg to stand on in court??????? in the law's eyes 6 years is ample time to track someone down and get payment, you may want to check that.Let me know how you get on, and don't worry, it's easy to lose your mind over this as i'm finding out but the advice in this forum is sound and they know what they are talking about, i have had some sterling advice here!

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Cheers guys . The point i was making with streetview was that i know the areas i've lived in but not the street name or house number so i can find that by looking at streetview.

So when i'm waiting for my credit check i'll send a prove it letter to HFO and see were that takes me . If there's anything else you think i should do please let me know.

Thanks for all you help and i'll keep you all informed on how it's going .

Thanks again.

 

 

 

PS . HAVE ATTACHED BETTER PDF OF ORIGINAL LETTER FROM HFO

img070.pdf

Edited by Robguy
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Cheers guys . The point i was making with streetview was that i know the areas i've lived in but not the street name or house number so i can find that by looking at streetview.

So when i'm waiting for my credit check i'll send a prove it letter to HFO and see were that takes me . If there's anything else you think i should do please let me know.

Thanks for all you help and i'll keep you all informed on how it's going .

Thanks again.

 

 

 

PS . HAVE ATTACHED BETTER PDF OF ORIGINAL LETTER FROM HFO

 

[sigh] This company really are the pits... if they (Barclays or HFO) have not sent you annual statements of account then they are not entitled to add ANY interest to the debt until they do so.

 

S.

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You must refute the content of that letter by stating you have NOT been previously advised of any assignment. This is the trick they pull to try and claim interest. They have been sitting on these accounts for years – I would aver that attempting to extort interest in this manner when they are not entitled to it (and, as the shadow states there have been no statements or arrears notices) is bordering on the F word.

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Hi Donkey and thanks.

Before i refute the content of the letter , should i wait for the return of my credit report i requested ( Should get it within a few days) and get as much info on the matter from Barclay's using a SAR. I was also waiting for credit report before sending prove it letter . Is this wise??

Also is there a template letter on the forum i can send to HFO, blocking their attempts to extort the added interest? But in doing this first would it not be saying to them that i acknowledge debt and HFO upping their pursuit of said debt.

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You just simply say that they imply they have previously written to you about a debt of which you have no knowledge, alleging an NoA had previously been sent. You deny any such letters have been sent to you.

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Just received a letter from HFO asking me to call with in 72 hours ( which i won't) or debt will go to court.

Funny thing is got first letter on 4th with 14 days to call and 7 days later get second asking to call in 72 hrs . weird.

I guess it is HFO's way of scaring you into calling them .

Must send Prove it letter tonight.

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Please find attached my 2nd letter.

If you could please read it and let me know if i should be worried about this?

Still waiting for Credit report but have send a prove it note to them.

My next aim is to send a SAR to Barclay's. Is there anything else i should do in the mean time?

 

 

Please help getting a bit worried about it going to court.

img071.pdf

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